RateGenius Reviews
Learn why 400,000+ people have trusted RateGenius for their vehicle financing
Top ratings from thousands of satisfied customers
4.9 Stars
4.7 Stars
Decades of experience serving drivers
RateGenius has over 25 years of experience helping drivers save on their auto loan. Our team of loan specialists provides support and guidance throughout the process of securing or refinancing your car loan.
What people are saying about RateGenius
Susie
Michael made the experience simple and fast.
Dana
Steve was very informative and helpful, very happy Steve walk though the progress. If I ever need help in future I will be calling Steve directly.
Drew
I worked with a gentleman named Ryan, he went above and beyond and answered all my questions and always called back within a reasonable time, usually same day. I refinanced a vehicle basically entirely through Ryan. Highly recommend this group and if you can choose Ryan.
Anthony
Steve
Mario was very good and communicated well There is some concern on my part because I paid Mercedes benz and than I paid the new credit union and I still haven't been reimbursed That could be done better
Breanna
Very easy process, I was updated along the way. So happy with my decision to refinance.
Charlotte
Kaylee went above and beyond. I appreciate it so much!
Just My
Very smooth transition. LANDON was excellent, his patience was reassuring and the customer service was top tier
Gourav
Holly
Went above and beyond to help with all my needs.
Common questions, answered
Is RateGenius legitimate?
Yes, RateGenius is a legitimate automotive finance company that is licensed to operate across the United States. Founded in 1999, RateGenius partners with over 150 established banks, credit unions and finance companies located nationwide to connect drivers with affordable options to meet their automotive finance needs.
What does RateGenius do?
RateGenius operates the largest nationwide online marketplace for auto loans. RateGenius gives drivers access to competitive rates on auto loan financing and refinancing, enabling them to lock in meaningful savings on their monthly payment and interest rate.
Does RateGenius have good reviews?
Across thousands of comments and feedback, RateGenius has earned overwhelmingly positive reviews from its customers! You can see for yourself what people are saying on platforms such as Birdeye and Google Reviews. The Better Business Bureau also has given RateGenius and its business practices an “A+” rating.
Is RateGenius a direct lender?
RateGenius does not operate as a direct lender. Our role is to bring together drivers seeking affordable auto financing and a network of direct lending partners. We make the process efficient by finding you the best deal we can, and handling many of the details so you don’t have to.
Does RateGenius do hard credit inquiries?
RateGenius performs a hard credit inquiry—also referred to as a hard credit pull—following the submission of a loan application. This is an important and necessary step that enables RateGenius to get drivers the most favorable and competitive terms on auto loan offers coming back from our lender network. Hard credit inquiries do appear on your credit report, but one of the benefits of working with us is that you’re accessing dozens of lenders through the RateGenius loan application, putting that hard inquiry to work!